Seller Financing Calculator

Transform your rental property into passive income - become the bank instead of the landlord

Current Property Operations

Property Information
Capital Gains Information
The price you originally paid for the property
Rental Roll
Unit # Unit Type Monthly Rent ($) Occupied Actions
Other Income
Laundry, parking, storage, vending, etc.
Operating Expenses (Annual)
Deferred Maintenance
Add any large deferred maintenance items that will need to be addressed. These items will be evaluated in the property valuation.
Item Description Estimated Cost ($) Actions

Property Valuation

Income Capitalization Approach

Seller Financing Terms

Your Seller Financing Earnings

Property Address:
Enter property address in Operating Summary
Property Valuation
Base Valuation (Cap Rate Method): $0
Less: Deferred Maintenance: $0
Adjusted Market Value: $0
Your Seller Financing Benefits
Cash Windfall at Closing: $0
Annual Financing Income: $0
Total Interest Earned (5 Years): $0
Current NOI (for comparison): $0
Deal Structure
Sale Price: $0
Cash at Closing: $0
Amount You Finance: $0
Property Cap Rate: 0%
Financing Interest Rate: 0%
Deal Safety (DSCR): 0.00
Seller Financing Benefits
Realtor Commission Savings: $0
Capital Gains Tax Savings: $0
Total Seller Financing Benefit: $0
Capital Gains Tax Analysis
Capital Gains
Sale Price: $0
Purchase Price: $0
Total Gains: $0
Tax Rates (California, Assuming Single Filer)
Federal Capital Gains: 15%
California State: Progressive
Net Investment Tax: 3.8%
Federal: 15% starting at $0, 20% above $533,400
California: Progressive income tax (1%-12.3%)
NIIT: 3.8% when MAGI exceeds $200K
Scenario Federal Tax State Tax NIIT Tax Total Tax Net Proceeds
Lump Sum Sale $0 $0 $0 $0 $0
Seller Financing (Total) $0 $0 $0 $0 $0
Tax Savings from Seller Financing $0 $0 $0 $0 $0
Key Benefit: By using seller financing, you can spread your capital gains over the loan term instead of paying all taxes at once, saving $0 in total taxes! This works because both California (progressive income tax) and federal (lower brackets) treat smaller annual gains more favorably, plus you avoid NIIT on the annual amounts.
Disclaimer: Tax calculations are for illustration purposes only.

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